Is Home Insurance compulsory?

No, Home Insurance is not compulsory by law. If you are a
tenant, we recommend that you purchase tenant’s liability and home
contents insurance, so as to avoid having to cover these costs
yourself. If you decide to purchase Home Insurance, the insurer is
required by law to cover a minimum number of risks, including, fire,
storm, hail and natural disasters.

When you purchase Home Insurance, you often have a number of options
to choose from, so it is important that you state which types of
cover you require. If, for example, you require legal assistance
in disputes with your landlord, you can extend your cover to include
'Legal
assistance insurance for tenants'.

Why purchase Home Insurance as a tenant?

As a tenant, you also require Home Insurance

Since you are obliged to deliver the home you are renting to
the owner in its original condition. You can mitigate the
financial ramifications of a claim by purchasing tenant’s liability
insurance.

Insuring your personal property (including furniture,
clothing, PC, etc.) against damage is also a good idea.

ExampleSuppose you arrive home one day only to find your
house flooded because you forgot to turn off one of the taps before
leaving. In this case, we will cover both the damaged home contents
and your liability for water damage caused to the home.

And we cover even more besides: our home insurance covers the
contents of your home not only against fire, water damage, natural
disasters... but against all possible damage, provided you did
not expect it to occur and that it amounts to at least 1 250 euros.

Where is your furniture insured?

Optional

Based on your requirements, you can extend your cover to include the
following types of insurance:

Legal assistance insurance for the lessee

What if …

…your landlord refuses to repair the roof?

…or wrongly
accuses you of having damaged the doors?

In these cases, this insurance covers legal assistance and support.

If you become involved in a legal dispute relating to the home you
are renting, we engage the services of Defendo, KBC’s legal assistance
department. They are an independent and specialised team, who
guarantee honest advice and the confidential handling of your file.

What will Defendo do for you?

Provide you with assistance

Inform you of your rights
and how you can enforce them

Help you to gather all the
information you need (including evidence, certificates and witness
statements)

Cover the fees and charges of lawyers, court
bailiffs and various experts

Cover the costs of the court
or out-of-court proceedings

Cover the loss you suffer if it
turns out the liable party is unable to pay

What is insured?

Legal assistance if you become involved in a dispute with your
landlord regarding

The safety and liveability of the home

The repayment
of costs caused by a defect in the home

If you incur loss or damage, Defendo will assist you in order to
ensure you are adequately compensated. If you are suspected of a
crime, Defendo will ensure that you receive the appropriate legal
support from a criminal defence lawyer. This applies both if you are a
suspect and if you are entitled to consult a lawyer.

Soil remediation insurance

If you use fuel oil to heat your house or apartment, you are
personally responsible for checking the tank on a regular
basis and for soil remediation following contamination.

More than 3% of tanks start leaking at some point, often caused by
rust. However, contamination may also occur while refilling the tank.
You will also be responsible for covering the cost of the soil
contamination, i.e., the process of cleaning the contaminated land.

Only fuel oil tanks built less than 40 years ago and with a maximum
capacity of 20,000 litres are eligible. The total compensation
for each claim event amounts to 60,000 euros.

What is insured?

We cover both the risk and the practical organisation of the
compulsory soil remediation. We will send an assessor to

Determine the nature and seriousness of the pollution

Take measures to limit the consequences

Inform you of
the statutory procedures relating to soil contamination

Help you with any formalities to be completed

We will arrange to have remediation works carried out if the
contamination is so serious that you are required by law to have the
soil remediated.

What is not insured?

Contamination that already existed when the cover
commenced

Costs borne by the government or another body for
the remediation of contaminated soil

Good to know

KBC Home insurance for tenants - second residence may include one or
more of the following types of cover: tenant’s insurance, home
contents insurance, soil remediation insurance (property insurance)
and legal assistance insurance for tenants (legal assistance
insurance). These forms of insurance cover are designed for tenants of
private homes who use the home as a second residence. You may not
use the home to engage in any commercial activities or liberal professions.

This product is governed by the laws of Belgium

The
insurance in this policy applies for a term of one year and will be
tacitly renewed, unless it is terminated no later than three months
before the principal renewal date.

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You can refuse to allow the installation of cookies, but some parts of our websites and applications will not function optimally as a result. If you continue browsing a KBC website, log into a KBC app or click on 'I accept cookies', then you consent to the use of cookies in conformity with this cookie statement. You can withdraw your permission at any time by amending your cookie preference.

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There are various types of cookies, which ensure that you can be recognised for various purposes, e.g. storing your language preference in order to make your visit to our websites more convenient. Thus you need not select your language each time you visit. Other cookies are anonymous and collect information on how visitors use a website or application.

Where we mention “cookies” in this document, we are referring to cookies and to comparable technologies, such as software development kits (SDKs). These are used to achieve the same purposes in apps as cookies do in browsers.

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KBC distinguishes among 3 types of cookies. You will find a list of all the specific cookies that KBC uses in point 8 .

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The KBC privacy statement contains more information about the KBC privacy policy, including about your rights if and when KBC processes your personal data,such as during the use of cookies.

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